Workers compensation is an insurance scheme that provides coverage to employees who are injured or…
When you get injured at work, it can be a difficult and overwhelming experience. Not only are you dealing with the physical pain and recovery, but you may also be worrying about lost wages and medical bills. Fortunately, workers compensation disability benefits exist to ease some of the financial burden. This post will discuss an overview of workers compensation disability benefits, including what they are, how to qualify, and what types of benefits are available.
Workers Compensation Disability Benefits
Workers compensation disability benefits are payments made to employees who are unable to work due to a work-related injury or illness. These payments are intended to replace a portion of the wages lost during the time the employee is unable to work. In addition to wage replacement, workers compensation disability benefits can also cover medical expenses related to the injury or illness.
Workers Compensation Disability Qualifications
To qualify for workers compensation disability benefits, you must have sustained an injury or illness while on the job. The injury or illness must have been caused by a work-related task or activity. In addition, you must be unable to work due to the injury or illness. Finally, you must take the necessary steps to report the injury or illness to your employer and file a workers compensation claim. Sometimes, there are complications along the way, and the claim can be denied. If this happens to you, you will need legal assistance. Make sure to work with a lawyer who specializes in workers compensation law.
Types of Workers Compensation Disability Benefits
There are generally two types of workers compensation disability benefits – temporary and permanent. Temporary disability benefits are payments made to employees who are unable to work for a short period of time due to a work-related injury or illness. On the other hand, permanent disability benefits are payments made to employees who have permanent injuries or illnesses that prevent them from returning to their job.
Temporary Disability Benefits
Temporary disability benefits are typically paid out on a weekly basis and are calculated based on a percentage of your pre-injury wages. The amount of the benefit will depend on the severity of the injury, as well as other factors such as the employee’s age and occupation. In general, temporary disability benefits will continue until the employee has recovered from the injury or illness and is able to return to work.
Permanent Disability Benefits
Permanent disability benefits are paid out once the employee has reached maximum medical improvement (MMI). This means that the employee has recovered as much as possible from the injury or illness but still has residual disability. Permanent disability benefits are intended to compensate the employee for the long-term effects of the injury or illness, such as reduced earning capacity or the need for ongoing medical care.
Workers compensation disability benefits are an important safety net for employees who are injured or become ill on the job. They provide wage replacement and medical benefits to help ease the financial burden of a work-related injury or illness. If you have been injured on the job, it is important to report the injury to your employer and file a workers compensation claim as soon as possible. A workers compensation lawyer can assist you with this process and help ensure that you receive the benefits you are entitled to.